[Resolved] State Bank of India — harashment of card holders | |
To SBI CARD First of all I have to write few lines about SBI card which is major headache for me. I have to give an amount 6283.00 on 21 April 2009 according to monthly statement of 1st april against my card [protected]. Therefore I dropped a cheque No 019383 Bank of India (Abhoypur branch) dated 20th april 2009 of amount 6283 on 13th April at SBI Guwahati branch. But the above said amount was not debited from my account till 24th of april. That is why I call SBI card help line on 25 th april. Some o[censored]r office personal informed me that the cheque given by me was a out station cheque that is why I was charged of Rs 300 and Rs 350 for late fee and dishonour of cheque. The office personal adviced me that you have to give a fresh cheque immediately of Rs 6283 on 27th of april otherwise you will have to pay the late fee and charged for dishonour. The previous cheque will be given back within a short time. Then on 27th April I was again dropped a fresh cheque No 019384 Bank of India (Abhoypur branch) dated 27th april 2009 of amount 6283 at SBI IIT branch. And this cheque was cleared on 29th april 2009 . Simultaneously the previous cheque was also cleared on 30th april. Payment History Payment History from 01/05/2008 to 05/05/2009 Bank Name Cheque Number Cheque Date Received Date Amount (Rs.) BANK OF INDIA 019383 20-APR-2009 30-APR-2009 6282 BANK OF INDIA 019384 27-APR-2009 28-APR-2009 6283 BANK OF INDIA 019382 16-MAR-2009 16-MAR-2009 14684 BANK OF INDIA 019377 11-FEB-2009 13-FEB-2009 18464 BANK OF INDIA (BOI) 003050 20-JAN-2009 23-JAN-2009 15083 BANK OF INDIA (BOI) 003050 20-JAN-2009 20-JAN-2009 15083 BANK OF INDIA (BOI) 003049 21-DEC-2008 22-DEC-2008 9971 BANK OF INDIA 003047 18-NOV-2008 18-NOV-2008 8341 BANK OF INDIA 003046 20-OCT-2008 22-OCT-2008 19649 BANK OF INDIA 003045 20-SEP-2008 20-SEP-2008 315 BANK OF INDIA 003043 18-AUG-2008 22-AUG-2008 13140 BANK OF INDIA 003042 20-JUL-2008 21-JUL-2008 35826 BANK OF INDIA 003040 20-JUN-2008 20-JUN-2008 1057 BANK OF INDIA 003039 19-MAY-2008 20-MAY-2008 7191 If you see the payment history then it will be seen that all the payment are from the same bank having the serial of cheque numbers. There is no question o[censored]NBANKABLE INVALID FEE as mentioned in the statement for the particular cheque No 01983 BANK OF INDIA ABHOYPUR BRANCH. If this particular cheque No 01983 BANK OF INDIA ABHOYPUR BRANCH is UNBANKABLE INVALID then how it is again cleared on 30th april 2009. Now my question is that why my cheque No 01983 is again placed in the bank for clearing inspite of giving fresh cheque No 01984 on 27th april as it was cleared on 28th april. Is it legal ? Is there any right to harash card holders like this manner ? Also a message was given that from TA-SBI CARD THAT THERE IS A CREDIT BALANCE OF RS -6080.45 AND THE SAME WOULD BE ADJUSTED AGAINST SUBSEQUENT PURCHASES. Why I purchased ? If I not purchased then what will hapend about my money ? Do not try to fraud with the card holders other wise court will determine your path. There fore I ask to return my extra money which was cleared by you by any means as early as possible. And resolve the problem immediately. SBI GOLD CARD MONTHLY STATEMENT SBI Card Full Name Card Number Statement Date Page DR DILIP DAS 01 May 2009 1 of 1 Credit Limit (Rs.) (including cash) 96000.00 Available Credit (Rs.) (including Cash) 96000.00 Cash Limit (Rs.)(as a part of credit limit) 38400.00 Available Cash (Rs.). 38400.00 PAYMENT DUE DATE 21 May 2009 * MINIMUM AMOUNT DUE (Incl.GST in Rs.) 0.00 ** TOTAL AMOUNT DUE (Rs.) 0.00 C Date Description Amount (Rs.) Transaction for the account 18/04/2009 UNBANKABLE INVALID FEE(EXCL GST 30.90) 300.00 D 25/04/2009 FEE - LATE PAYMENT (EXCL GST 36.05) 350.00 D 27/04/2009 Pmt dishonour fee cred(EXCL GST 30.90) 300.00 C 29/04/2009 Late Fee Credit a (EXCL GST 36.05) 350.00 C 01/05/2009 TOTAL GST DEBIT FOR CURRENT STMT 18.95 D 01/05/2009 FIN CHARGE ON RETAIL (EXCL GST 18.95) 184.00 D Transaction for card number :: 4952 28/04/2009 PAYMENT RECEIVED CHEQUE NO 019384 6283.00 C 30/04/2009 PAYMENT RECEIVED CHEQUE NO 019383 6282.00 Dr Dilip Das Was this information helpful? | |
Aug 13, 2020 Complaint marked as Resolved | |
 1 Comment | |
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But rarely do their agents called on me to collect the dues.
Oftenly the agent calls on me for collection of minumum payments dues after the bill for next month is generated wherby overdue charges of more than 500 per month had been debitted, without fault of mine.
I had already paid more than 25, 000 during the past 14 months for using card worth 28000. Say 90% interest in form of overdue charges/other charges, which never are justifiable.
I feel it's a total fraud and the SBI Card management intentionally pave way for the delay in collection of the dues just to charge and punish the SBI card holder.
I request proper investigating authorities to scrutinise the accounts of the SBI Card Scheme and get the culprits booked for any of the scams they might have created.
I am astonished to view such large number of grievances by the SBI Card Holder and I take liberty to call on every such person to join hand and get the matter be referred to the MRTPC or any other legal authority.
Regards